“We do not see things as they are, we see things as we are.” — Anais Nin
War will not end in our lifetimes ~ Dick Cheney
You can bomb the world into pieces, but you cannot bomb it into Peace. ~ Michael Franti
(Trillions and trillions of money we don’t have spent to control oil and world economies while millions and millions are killed, injured, maimed and lives ruined while Veterans have their rights to own guns upon return to the U.S. are denied if they file for any disabilities while underfunded, understaffed VA hospitals practice willful triage on Veterans who fought to preserve this global empire. My country ’tis of thee. )
How Many Deaths will be in WWIII???
If it’s Monday, it must be another government sponsored false flag attack.
This time to defuse the child pedophilia charges brought against Clinton, Prince Andrew, et. al. This also allows police to begin patrolling city streets and airports carrying AK-47’s as well as justify more spending for military gear.
5.) Timing takes place after French government begins to show signs of opposing Russian sanctions and recognizing a Palestinian state. Timing is everything. This phrase is particularly relevant in the field of propaganda. Because of this, many are now wondering whether or not the attacks were some false flag type event used as an attempt to reign in members of the French government who may be straying off the reservation.
For instance, in December of 2014, the lower house of the French parliament voted to recognize a Palestinian state. While the vote will not likely affect France’s foreign policy, it is a powerful symbol of a changing of the tide in terms of popular opinion regarding the Palestinian/Israeli conflict.
Likewise, the recent statement by French President Francois Hollande that the sanctions on Russia must end, could be seen as a threat to Anglo-American solidarity. Thus, such attacks could serve as a justification for French military action in the Middle East, a reminder to some players in the French government not to show dissension in public.
The really striking similarity, beyond the theme of radical Islam, is this: in both cases, the security state knew the perpetrators well. In Boston, the FBI was in direct contact with and monitoring alleged senior perpetrator Tamerlan Tsarnaev.
In France, the authorities knew at least two of the alleged perpetrators.
From the New York Times:
The massacre, which singled out cartoonists and other staff members at a newspaper that frequently mocked Islam, Christianity and all forms of religious and secular authority, left France stunned. It also raised questions about how Chérif Kouachi, so well known to the police for so many years, and his brother had managed to conceal their intentions.
Tamerlan Tsarnaev apparently underwent a conversion to radicalism. Chérif Kouachi was consistently an open advocate of radical violence and jihad, and served jail time for recruiting young French Muslims to fight in Iraq.
In both cases, the understandable reaction is fury and a desire for retribution and closure. The result in both cases will almost certainly be a decision to grant further authority to the security state in both countries to do “whatever is necessary” to protect us.
But as we know, the security state, in both the United States and France, already has enormous power. It monitors the general population, in myriad ways, both electronic and otherwise.
As noted, it often already knows those very few who do commit these acts. And sometimes even recruits them as informants, with occasionally disastrous results.
Something to think about
Paris Shooting: Queen Should Thank President Hollande For Burying the Prince Andrew Child Abuse Scandal
As the dust settles from this week’s terror extravaganza in France, more loose ends are turning up (or being tied up), with this latest bizarre bombshell which is already fueling speculation as to the covert nature of the Charlie Hebdo false flag affair.A Police Comminioner from Limoges, France, Helric Fredou, aged 45 (photo, below), turned up dead from a gun shot to the head on Thursday amid the Charlie Hebdo affair. A high ranking official within the French law enforcement command-and-control structure, Fredou was also a former deputy director of the regional police service.
Wolfgang Halbig has the perfect combination of expertise to evaluate what happened at Sandy Hook Elementary School:
- law enforcement: Florida State Trooper, US Customs Agent.
- education: teacher, assistant principal, principal.
- current school safety expert: trained key personnel at over 4,000 US school districts, and over 3,500 school safety officers.
His conclusion after ten months of motivated investigation:
“In my professional opinion, [Sandy Hook was] a scripted event… in planning for maybe two, two and a half years.”
Mr. Halbig’s response is demand for criminal arrests of “leaders” involved in Sandy Hook based on rational embrace of the public evidence he explains in the interview:
- law enforcement parked 1/4 mile away upon arrival. Why didn’t they rush to a heart-wrenching emergency if it really occurred?
- no trauma helicopters were ordered. This is unheard of for an actual emergency.
- no paramedics were allowed in the school. This is unheard of.
- officials refuse to say who declared all 26 people dead. By law, this must come from a doctor. This refusal of so much basic information indicates lies and cover-ups.
- official narrative claims emergency personnel didn’t find the school secretary and nurse after 4 hours of searching.
- this “event” included a traffic sign lit with the message, “everyone must sign in.” Officials refuse any comment on this element that would be present for a staged event/drill.
- porta potties were on site; again with no comment by officials and consistent with holding a staged event.
- no names were listed for the 26 children and chorus director at the 2013 Super Bowl event in honor of Sandy Hook. The children resemble the alleged shooting victims. It’s unimaginable to not list these names for such a huge deal.
- no lawsuits filed by parents for negligence against school district. This is unheard of.
- Asperger’s causes poor motor skills and muscle tone – how did an alleged 120 pound shooter without training carry ~30 pounds of gear to shoot with such precision? This combination seems impossible to imagine.
- 2 homicide investigators threatened Mr. Halbig for making inquiries consistent with his professional duties to learn about this event for future school safety.
- Newtown Public Schools won’t return any calls. Mr. Halbig says this non-cooperation to contribute information for other schools’ safety is unheard of.
- the FBI classified the report on Sandy Hook. This has never been done before, and indicates a cover-up of all the evidence that this was a staged event.
- radio transmissions are consistent in tone and content for a drill, not an actual emergency.
- multiple weapons reported at a limited crime scene were never found. This is not credible.
- law enforcement sent a kindergarten girl from the hall to stay at the crime scene of room 8 to be alone with dead bodies. This is a ridiculous claim that demands investigation and answers.
- no parents viewed the bodies of their children. This is also unheard of.
- no documents are being released via Freedom of Information Act requests. This is unheard of.
- trauma services were never requested. This would never occur.
- tearing down the school is consistent with destruction of evidence, given the HUGE gaps between official accounts and the evidence.
- there’s zero evidence that a bio-hazard company was contacted to clean blood, bodily fluids, and officials refuse comment. This is impossible.
- Mr. Halbig’s inquiries of who installed the school security system has been met with silence. This is unheard of to not get this information to improve other schools.
Mr. Halbig has the professional expertise to conclude the official story is impossible, and to demand arrests in order for the public to have the truth.
Just As The Islamic State (ISIL) Gets Exposed As A Fake US Enemy, A “Wag the Dog” Terrorist Attack in Paris?
With information just breaking that the United States has been air dropping arms, food and medical supplies to Islamic State of Iraq and Levant (ISIL) forces in Iraq, supposedly the world’s latest terrorist enemy on steroids, what has been suspected all along is now being confirmed.
To add fuel to the fire, this news comes just as warmonger Senator McCain got busted for secretly and illegally entering Syria to meet with ISIL to coordinate strategy on that warfront.
Clearly the ISIL is an ally to the US government in both Iraq and Syria. The command headquarters operating out of the US Embassy in Baghdad has been overseeing the US military airdrops of war supplies to our purported latest enemy in various provinces throughout Iraq. Back in October the US lied about an accidental dropping of supplies that went to the Islamic State jihadists instead of to the Kurds. The strategy in Iraq is to prolong the “war” against ISIL in order to ensure that permanent US military bases there get established, something recently deposed Iraqi President Maliki refused. It wasn’t so much Maliki’s poor leadership that spearheaded persecution and killing of so many Sunnis during his reign of terror that caused Washington to finally pull the plug on him. It was his kicking Americans out of his country entirely at the end of 2011 that brought his US orchestrated removal from power several months ago.
Just as the US Empire created al Qaeda and Osama bin Laden back in the 80’s to finish off the Russians in Afghanistan, then backed al Qaeda’s ethnic cleansing of Serbs in Kosovo and Bosnia, paving the way for bin Laden to play the heavy in collusion by Saudi-Israeli assistance to pull off the coup d’etat of the century on 9/11, it all became false pretext to wage permanent war on terror. Now that the US government has torn the Middle East asunder into multiple war ravaged failed states, with these latest revelations coming out of Iraq, the US cover has been completely blown – ISIL turns out to be just another axis-of-evil Empire creation by the US-Israeli-Saudi governments. Based on these latest on the ground accounts filtering in through Iranian and Iraqi intelligence sources, those previous reports from months ago on how the United States was covertly financing and training this “new and improved” brand of Islamic State terrorism again created by the US turns out to be absolutely true.
The official report by the National Transportation Safety Board (NTSB) relating to the two planes that crashed into WTC on September 11, 2001 shows that they were traveling at a speed of 945 km/h and 796 km/h respectively.
Pilots for 9/11 Truth, an international organization of pilots and aviation professionals, has pointed out that, according to the manufacturer, the Boeing 767 develops structural failure and dismembers at a speed surpassing 660 km/h when flying at near sea level in thick air. This has also been certified by a former senior NASA executive, Dwain Deets.
It necessarily follows that the aircraft that slammed into the World Trade Center could not have been the planes corresponding to commercial flights United 175 and American 11.
I wish to single out one person, and that one person is sitting next to me. Her name is Liz Fowler. Liz Fowler is my chief health counsel. Liz Fowler has put my health care team together. Liz Fowler worked for me many years ago, left for the private sector, and then came back when she realized she could be there at the creation of health care reform because she wanted that to be, in a certain sense, her profession lifetime goal. She put together the White Paper last November–2008–the 87-page document which became the basis, the foundation, the blueprint from which almost all health care measures in all bills on both sides of the aisle came. She is an amazing person. She is a lawyer; she is a Ph.D. She is just so decent. She is always smiling, she is always working, always available to help any Senator, any staff. I thank Liz from the bottom of my heart. In many ways, she typifies, she represents all of the people who have worked so hard to make this bill such a great accomplishment.
“We will be in a single payer system and you will have to have an imbedded chip to be a member of this system and it is mandatory that you be a part of this system.”
Step I: Enact Mandatory “Healtcare for All” with 16,000 new IRS agents for enforcement. Check.
Step II: Create mandatory Medical Id tied to bank accounts. (coming 2015)
Step III: Create voluntary (with discounts) to get chipped, then make mandatory or use food delivery systems or vaccines to covertly insert with chips. (coming 2016)
“Buried deep within the over 1,000 pages of the massive US Health Care Bill (PDF) in a “non-discussed” section titled: Subtitle C-11 Sec. 2521— National Medical Device Registry, and which states its purpose as…….. He quotes that part of the law and then goes on to say: “In “real world speak”, according to this report, this new law, when fully implemented, provides the framework for making the United States the first Nation in the World to require each and every one of its citizens to have implanted in them a radio-frequency identification microchip for the purpose of controlling who is, or isn’t, allowed medical care in their country”.
That is from a currently serving member of congress. Cutting through all the political ease, the bottom line is that eventually if you want to participate in a government healthcare plan you will have to have this chip implanted in you. This law mandates that you have to have insurance and by virtue of this law guarantees that all private healthcare insurers will be driven out of business with only the government option left. We will be in a single payer system and you will have to have an imbedded chip to be a member of this system and it is mandatory that you be a part of this system.
“The Secretary to protect the public health; shall establish procedures to permit linkage of information submitted pursuant to subparagraph (A, remember subparagraph A is the class 2 implantable device reference) with patient safety and outcomes data obtained under paragraph (3, which is electronic medical records); and to permit analyses of linked data;”
Continuing on to page 1007, in the STANDARDS, IMPLEMENTATION CRITERIA, AND CERTIFICATION CRITERIA section, the secretary of health and human services is given full power to intact all mandates from the laundry list of to-do items in the creation process of the registry as well as dictate how the devises listed in the National Medical Device Registry are to be used and implemented.
When I have a number of different pieces of data, I like to lay it all out in bit size pieces so the picture becomes clearer so I’m going to lay out the data and cut through the political circular logic and legal ease:
Class II implantable devices receive FDA approval and verachip VeriMed electronic health records system also received approval from the FDA.
American Recovery and Reinvestment Act authorized $23 billion in stimulus funds for health care information technology. In conjunction with that, VeriChip re-launches VeriMed electronic health records system which is a system that is made up of implantable RFID microchips, handheld scanners for emergency room personnel to read these chips, and online electronic personal health records.
HR3200 was passed by the House and signed into law by the president
Now looking at the new law, Page 259 Electronic Medical Records system will be required for all healthcare providers by 2012.
A national medical device registry is created and populated with devices. Chiefly noted among them, a Class II medical device that is implantable.
Mandates the use of class II implantable devices to serve as the link between you and your electronic medical records.
The secretary of human services will establish the procedures for the linking of the Class II implantable device and electronic medical records.
Secretary of health and human services is given full power to intact all items required in the creation of the registry as well as the power to dictate how the devises listed in the National Medical Device Registry are to be used and implemented.
Medical device surveillance is authorized.
The link to your electronic medical records which is the Class II implantable device will also be linked to your bank account.
Without regard to whether or not final regulations are in place, you will be required to get a Class II implantable device linked to your medical records and bank account in order to participate in the government healthcare plan.
It is mandated that you have health insurance or you will pay $100.00 dollars per day that you are not covered.
The IRS will enforce healthcare enrolment and fines for not caring health insurance.
This law mandates that you have to have insurance and by virtue of this law, guarantees that all privet healthcare insurers will be driven out of business with only the government option left. We will be in a single payer system and you will have to have an imbedded chip to be a member of this system and it is mandatory that you be a part of this system.
This new law, when fully implemented, provides the framework for making the United States the first nation in the world to require each and every one of its citizens to have implanted in them a radio-frequency identification microchip. In theory, the intent to streamline healthcare and to eliminate fraud via “health chips” seems right. But, to have the world’s lone superpower mandate a device to be IMPLANTED is not just scary. It is prophetic!
“The Secretary of the Health Human Services, acting through the head of the Office of the National Coordinator for Health Information Technology, shall adopt standards, implementation specifications, and certification criteria for the electronic exchange and use in certified electronic health records of a unique device identifier for each device described in paragraph 1 (National Medical Device Registry), if such an identifier is required by section 519(f) of the Federal Food, Drug, and Cosmetic Act (21 U.S.C. 360i(f)) for the device.”
Now on Page 503, section E Lines 13-17 and I quote: “encourage, as appropriate, the development and use of clinical registries and the development of clinical effectiveness research data networks from electronic health records, post marketing drug and medical device surveillance efforts”. Let me say that again, medical device surveillance efforts!
Helping America’s poor, aged and sick is the U.S. Department of Health and Human Services’ reason for being, but hundreds of its top officials are traveling in style and luxury at taxpayer expense. Records obtained by the Washington Examiner under the Freedom of Information Act show that HHS executives spent $31 million taking 7,000 first class and business class flights between 2009 and 2013, including 253 trips for which a one-way ticket cost more than $15,000.
Want to seriously change the culture at your child’s school? Watch this very powerful video.
Seriously Why College?
College Professors Living in Poverty;among a growing segment of Americans who are both hypereducated and poor.
(all the while, college tuition’s are at record highs, along with corporate sponsorhip, as administrative staffs make millions in salary per year and college students have no jobs but over a trillion in unforgivable college debt. Seriously, Why college?)
An adjunct professor, she earns $4,350 a class, never more than $24,000 a year, she says. At the moment, she has $55 in the bank and $3,000 in credit card debt. She is a month behind on the $975 rent she pays for a two-bedroom house next to railroad tracks in a western Chicago suburb, where every 20 minutes a train screeches by. Her bookshelves are full of poetry and philosophy from grad school, she can recite poems from memory, and she collects French 1960s LPs, but she must rely on food stamps to feed herself and her son. And because her job doesn’t offer health insurance, they’re both enrolled in Medicaid, the state and federal health-care program for the poor.
First, the big picture. Here is the entire market for Ph.D.’s, including those graduating from humanities, science, education, and other programs. The blue line tracks students who have a job waiting for them after graduation. The green line tracks those signed up for a post-doctorate study program. The red line stands for the jobless (though a sliver of them are heading to another academic program).
While some doctors certainly make bank (for example, the median salary of an orthopedic surgeon is $435,000, according to Salary.com), family practitioners — who are among the lowest paid of all medical specialties — now face similar challenges to what lawyers do. Even though family practitioners can expect a median salary of well over six figures once they complete residency, the median amount of debt med students who borrowed had upon graduation was $180,000; nearly eight in 10 had more than $100,000 and fully 10% had more than $300,000. What’s more, once they graduate from medical school, they still have three years of residency to complete — and will likely make only about $50,000 a year during that time. And “it’s more expensive to be a physician now” thanks in part to insurance issues, including payments from insurance companies and the cost of insurance (like malpractice) required for those who want to hang up their own shingle, says Williams.
(In 1998, Lani Guinier became the first woman of color appointed to a tenured professorship at Harvard Law School. Before her Harvard appointment, she was a tenured professor at the University of Pennsylvania Law School.)
How then did we get to a place where American higher education appears more concerned with applicants’ test scores and alumni financial contributions than with the education of current students and the contributions of alumni to our society as a whole? A review of America’s curious history of—and relationship with—an obsessive culture of testing may help answer these questions.
But altering admissions criteria to benefit socially desirable students was not enough for Harvard. With an increasingly complex university admissions process, a new and uniform system was needed to separate the wheat from the chaff. The SAT became the solution that the ruling elite had been desperately seeking for all this time to perpetuate itself: a testocracy, disguised as a meritocracy.
The origins of the SAT can be traced to the turn of the twentieth century, when the College Board, the nonprofit organization that owns the rights to the modern-day SAT, administered the nation’s first college entrance examinations, in 1901. Unlike today’s SAT, these exams were entirely composed of essays that required students to engage with subjects as far-ranging from each other as Latin, world history, and physics. The birth of these exams came at about the same time as another social scientific phenomenon: intelligence testing
So, if the SAT does not measure aptitude—and if it doesn’t even pretend to measure achievement—then what does it measure? I have argued for years that the SAT is actually more reliable as a “wealth test” than a test of potential, and the most recent results bear this out. Below are figures released in 2013 by the College Board that correlate SAT scores with the family income of the test taker.
AVERAGE SAT SCORE (OUT OF 2400)
FOR 2013 COLLEGE-BOUND SENIORS
|$0,000 – $20,000||
|More than $200,000||
Now that is a correlation! This is what I refer to as the “Volvo effect.” In Crazy U, Ferguson talks about how the parents of his son’s friends and classmates were spending $30,000 to $35,000 to prepare their children for college. That isn’t the amount they had to pay for a premier boarding school mind you—that was the amount they paid to hire someone to tutor their child on the SAT and to help them write their “statement of interest” essays on their college applications. When these students get in to a particular college we say that this process reflects the fairness of the meritocracy, but really it only reflects the fact that the elite dominate the entry to higher education.
Technology is quickly replacing farmers, as it’s able to accomplish a lot more using fewer resources. And it shows. The report gave this career a hiring outlook of -19 percent. “The farms are getting larger and each farm is specializing in certain areas,” Brad Kohlhagen, an ANR extension educator, told Wane.com. “So they may be reducing the labor force thanks to technology in that sense.”
Jacques Demarthon/AFP/Getty Images
Jacques Demarthon/AFP/Getty Images
3. Meter Reader
Technology is causing this job’s extinction, too. Utility companies are now implementing remote-viewable meter readers. This lets them compile usage data without needing a worker to visit the site, resulting in a -19 percent hiring outlook. As more companies start to utilize this technology, there will be fewer meter readers needed in upcoming years.
(Photo by Peter Macdiarmid/Getty Images)
(Photo by Peter Macdiarmid/Getty Images)
4. Newspaper Reporter
With a hiring outlook of -13 percent, business is not booming for the newspaper industry. The report attributes its negative hiring outlook to declining subscriptions and dwindling advertising sales. Some newspapers aren’t able to hire anyone new, while others have had to cease operations altogether.
Unfortunately, as people continue to shift from traditional newspapers to online outlets, things don’t look good for those hoping to snag a job as a reporter. Layoffs and furloughs are now fairly common, in part due to advertisers cutting their print budgets by nearly 30 percent since 2009, per CareerCast’s report.
(Photo by Oli Scarff/Getty Images)
(Photo by Oli Scarff/Getty Images)
5. Travel Agent
Many travelers are nowplanning their vacations themselves, mainly by using self-serve online companies. As a result, fewer travel agents are needed, causing a hiring outlook of -12 percent. However, Salary.com predicts that if travel agencies can evolve, they’ll be OK. Agencies hoping to survive should live in a niche. What exactly does that mean? You can secure your career by specializing in something specific, such as adventure-foreign travel or special event packages.
Things have definitely looked better for this steadily declining job. With an annual median salary of $24,340 and a hiring outlook of -9 percent, lumberjacks may want to consider a career switch. CareerCast says that technological advances in the logging industry are causing a need for fewer lumberjacks. In addition, less wood pulp is needed for paper-based products, resulting in industry demand being down.
The Guardian reports that in 2012, lumberjacks were at the top of CareerCast’s most endangered jobs. “Unemployment for lumberjacks is very high, and the demand for their services is expected to continue to fall [until] 2016,” CareerCast said. “And while working outside all day may seem like a great job perk, being a lumberjack not only is considered the worst job, but also one of the world’s most dangerous.”
Joseph Eid/AFP/Getty Images
Joseph Eid/AFP/Getty Images
7. Flight Attendant
The recession has been hard on airlines. Cutbacks on the number of flights offered, as well as airline mergers, threw this industry for a loop — flight attendants have a -7 percent hiring outlook. In CareerCast’s 2013 report, in which flight attendant was ranked as the No. 10 worst job, the firm said: “High stress, low pay and a shrinking job market all contribute to flight attendant’s inclusion among the worst jobs of 2013. The BLS projects virtually no change in job prospects, as airlines continue to consolidate and reduce staff.”
8. Drill-Press Operator
A drill-press operator is responsible for setting up, operating, or tending drilling machines to drill, bore, ream, mill, or countersink metal or plastic work pieces, according to MyMajors. What’s causing this career’s dismal -6 percent hiring outlook? According to CareerCast’s report, gridlocked manufacturing hiring has impacted the job market for drill-press operators. On top of that, technological advances means fewer people are needed.
Fred Dufour/AFP/Getty Images
Fred Dufour/AFP/Getty Images
9. Printing Worker
It’s not a good year for those who work with paper. As more people go digital, less paper is needed, causing a decline in paper-related jobs. This is especially prevalent for someone with a career as a printing worker, which requires producing print material in three stages: prepress, press, and binding and finishing. Unfortunately, a career in this industry has a hiring outlook of -5 percent.
10. Tax Examiner and Collector
Rounding out the top 10 most endangered careers is tax examiner and collector, with a hiring outlook of -4 percent. “Budget reductions in recent years have resulted in decreased hiring for the agencies that employ these workers,” according to the CareerCast report.
Like many other jobs on the endangered list, fewer people are needed to fill these roles, as much of this work can be streamlined through technology. Why pay someone to do something technology can do faster and cheaper?
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“Mr. Coleman and Common Core proponents have a problem: Common Core claims to prepare students for college, yet at most, its content prepares them for community and four-year, non-selective colleges. Its own authors admit as much,” Wurman said.
The current executive with MonolithIC 3D Inc. and co-author with Professor Sandra Stotsky of “Common Core’s Standards Still Don’t Make the Grade” (Pioneer Institute, 2010), exposed the primary social engineering goal of the SAT changes.
“This charade is bound to explode, unless a way is found to force regular state colleges to accept the low-level college-readiness offered by the Common Core,” Wurman said. “The goal is, as the College Board says, to ‘bridge economic and demographic barriers’ rather than assure that college freshmen are adequately prepared.”
“So, in the name of this ‘social justice,’ the SAT is now being dumbed down so it will find more students ‘ready,’ whether truly ready or not,” he said.
As RealtyTrac further revealed a month ago, four of the largest investors involved in the single family rental market have a potential of $1.2 billion in gained equity, or a 23 percent return, on properties purchased in the last three years (and that is just among the subset of properties with sufficient sales price and valuation information available)… assuming they don’t all lilquidate at the same time into a bidless market of course.
Among the largest institutional investors involved in the single family rental market, Blackstone/Invitation Homes had the most purchases with price and value information available over the past three years with 14,108, followed by American Homes 4 Rent (12,811), Colony American Homes (4,935) and Fundamental REO/Progress Residential (3,208).
Now as a follow up, RealtyTrac has analyzed nearly 10 million sales of single family homes in 2012 to 2014 and the nearly 500,000 among those that sold to institutional investors (entities that bought 10 or more single family homes in a calendar year) to identify where institutional investors have purchased the most single family homes.
The report seeks to identify where the four biggest institutional investors backed by Wall Street and private equity have purchased the most and are most likely to be landlords of single family homes – both at the county level as well as the zip code level. Those top four investors are Invitation Homes (backed by Blackstone), American Homes 4 Rent, Colony American Homes and Fundamental REO.